Recent legislative updates to Ontario's insurance framework have modernized auto insurance by introducing sweeping flexibility to Statutory Accident Benefits. While medical, rehabilitation, and attendant care remain mandatory, all other accident benefits—such as income replacement, caregiver, and housekeeping benefits—have transitioned into optional coverages that policyholders can customize to fit their individual needs and budgets. Furthermore, new regulatory guidelines restrict optional benefits strictly to listed drivers, spouses, and dependants, while updating administrative protocols to streamline cross-insurer claims processing.
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